Syncrofin
An all-in-one personal finance app for your whole financial life
Track spending, split bills, budget, and manage loans, investments and net worth — across 127 currencies, with no bank login.
A multi-currency expense tracker, a group expense tracker for splitting bills, a shared budget app, and a home for your loans, investments, bills and net worth — all in one Android app, with no bank connection. Whether you're a flatmate splitting rent, a digital nomad juggling currencies or an expat budgeting across borders, the two things you'll do every day — recording transactions and splitting group expenses — are free and unlimited, forever.
Choose your money workflow.
Track expenses in multiple currencies
All 127 currencies are held apart — the currency lives on each amount, not the account — so a dollar stays a dollar and a rupee stays a rupee, and you always see exactly what you have in each.
Search for any currency by code, name or symbol, and record income, expenses, loans, goals and group splits in whichever one you actually used. There's no hidden rounding and no phantom balance — the money you see is the money you have, currency by currency.
See how it worksA cross currency budget app that never guesses
Set one anchor currency for your totals and change it any time — nothing you saved is ever rewritten or converted. Amounts in other currencies are listed on their own, so your numbers stay exact whether you're a cross-border earner, an expat or a frequent traveler.
Explore currenciesA group expense tracker where the maths adds up
The bill splitter with friends that gets every split exactly right. Split equally, by exact amounts, by percentage, by shares, or item by item — and the total always reconciles. Perfect as a shared household expense tracker or a group budget app for trips.
Balances are worked out per currency and per person, so you can see not just what you're owed, but who owes whom across the whole group. When it's time to settle, Syncrofin suggests fewer payments to clear everything, and partial payments are handled cleanly — "Ana paid ₹500", not a debt magically marked done.
Add anyone — even without the app
Add a guest by name and they're a full part of the group instantly: they can pay, carry a share and settle up. When they join later, their whole history moves with them. Settle in fewer payments, and only names are ever stored.
Learn about groupsAn income and expense tracker built for daily use
Log both what comes in and what goes out — salary, freelance income, refunds and dividends alongside your everyday spending. Ten expense and nine income categories keep everything sorted, and your Income, Expenses and Net always cover the whole period, not just what's on screen.
Entry is quick: type a note like "swiggy" and the category is suggested for you to tap, and quick-add chips speed up the amount. It's a full income and expense tracker — free and unlimited, forever.
See daily trackingLimits that update as you spend
Set a monthly envelope and per-category caps; your spend is worked out live from your transactions. Get one nudge each at 50%, 80% and 100% — never nagging — plus a "safe to spend per day" figure for whatever's left.
See budgetingSave for what's next
Set a savings goal with a target and a date, then watch the ring fill. Money you move into a goal leaves your spendable balance automatically, so what you see is always what you can actually spend.
See savings goalsKnow your true balance, always
See two figures that answer two questions: what you'll still hand over, and what you'd owe if you settled today. Reducing-balance interest, partial payments handled cleanly, and reminders before every due date.
See the loan trackerDeposits, assets and everything you own
Keep FDs, RDs, stocks, mutual funds, gold, crypto and property together. Deposits are projected with proper maturity maths; for everything else you set the value yourself. Your net worth is pulled from all of it, minus what you owe.
See investmentsBills and a subscription tracker in one
Track rent, electricity, Netflix, the gym — with reminders that land on the right day. A free trial about to end? You'll be warned in time to cancel before you're charged.
See bill trackingSee the whole picture, then the next move
Thirteen sections across spending, wealth, cash flow and budgets — every chart drawn by the app itself. A Financial Pulse score sums up your health, and smart insights surface what needs attention first.
EMI calculator
Reducing-balance instalments with prepayment modelling and a full amortisation schedule.
SIP calculator
One-time, monthly or step-up, with inflation adjustment so you see real returns.
FD calculator
Quarterly compounding done properly, plus monthly and quarterly payout options.
Loan comparison
Two offers side by side, decided on true cost — including processing fees.
Built for the moment you hand someone your phone
Your money is nobody else's business. Lock the app behind your fingerprint, keep balances out of screenshots, and hide every number with one tap. All free.
Ghost Mode, App Lock & blocked screenshots
One tap and every figure becomes ••••, app-wide — your saved numbers never change, they just stop showing. Screenshots and casting come out blank, and App Lock works with any fingerprint, PIN or pattern your phone already uses.
- Ghost Mode — hide every number before you pass the phone
- App Lock — biometric or device PIN, works on any phone
- No bank login — you add records yourself, nothing to connect
Built for people whose money doesn't fit one box
One app that adapts to how you actually earn, spend and share — at home or across borders.
Digital nomads
An expense tracker for digital nomads that keeps every currency you earn and spend cleanly apart — no guessed conversions, no blurred totals as you move between countries.
Expats
A budget app for expats juggling a home currency and a local one. Track both truthfully, keep your net worth in view, and manage bills and loans wherever you are.
Flatmates & families
A shared household expense tracker for rent, groceries and bills. Split fairly five different ways and always know who owes what — free and unlimited.
Everyday planners
A personal finance app for anyone who wants budgets, savings goals, EMIs, investments and analytics in one place — instead of four apps and a spreadsheet.
Freelancers & self-employed
An expense tracker for freelancers with irregular income. Log payments from clients at home and abroad, keep every currency exact, and see income against expenses at a glance.
Frequent travelers
A travel expense tracker that records spending in the currency you actually paid in — no guessed conversions — so your trip budget stays honest from the first flight to the last coffee.
Couples
A shared finance app for couples: split shared costs fairly, set joint budgets and savings goals, and always see who paid for what — without handing over any bank access.
Students
A free budget app for students that tracks day-to-day spending and splits costs with roommates and friends — unlimited, with no bank login and nothing to pay.
Start simple. Go deeper when ready.
No confusing upgrade maze. The free experience is genuinely useful — recording money and splitting group expenses stays free and unlimited, forever. Pro is for people building a fuller system.
Everything you need to start seeing your money more clearly.
- Track income and expenses, unlimited
- Split bills in groups — all five modes
- All 127 currencies, kept exact
- EMI, SIP & FD calculators
- App Lock, offline mode & account deletion
When your money spans budgets, loans, investments, goals, people and the long view.
- Everything in Free
- Analytics, budgets, goals & net worth
- Loans, investments, bills & subscriptions
- Ghost Mode & ad-free
Questions, answered
Make room for the good stuff.
Start with the one money question on your mind — Syncrofin helps you turn it into a system you can come back to.
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